Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$142,526Cash toward the purchase price.
Closing costs + prepaids$13,507Not just lender fees.
Before credits & paid funds$156,033The complete starting cash picture.
Estimated remaining funds due at closing
$156,033No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$142,526.41
Your down payment$142,526.41
Closing costs + prepaids$13,506.57
Total buyer cash needed$156,032.98
Remaining funds due$156,032.98
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$763.00
Credit report$200.00
Tax service$80.00
UMe assumption specialist (1%)$5,200.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,887.37
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$171.00
Initial HOA (3 months)$84.00
Prepaid interest, first (22 days)$696.21
Fees + prepaids$13,506.57
Your down payment is the seller’s equity. You take over the $377,474 balance, so the rest of the $520,000 price is paid at closing. A second mortgage can cover part of it. $156,032.98 is due at closing. Uses and sources reconcile at $533,506.57 each. Not a Closing Disclosure.